Payments Specialist

HOMEBANK•Quincy, IL

1d•$18 - $22•Onsite

About The Position

The Payments Specialist will be responsible for monitoring and responding to card fraud, processing disputes, supporting card programs, and ensuring compliance with regulations. This role involves daily operations of various card programs, including debit, credit, gift, and instant issue cards. The specialist will also be involved in reconciliation, reporting, risk management, and collaborating with other departments to improve processes and customer experience.

Requirements

Strong analytical and problem-solving skills.
High degree of accuracy and attention to detail.
Ability to manage multiple priorities in a fast-paced environment.
Excellent communication and collaboration abilities.
Sound judgement in handling sensitive information and risk-based decisions.
Experience in banking, deposit operations, payments, or financial services is preferred.
Familiarity with digital solutions, Regulation E or debit card network rules is beneficial.
Equivalent combinations of education and experience will be considered.

Responsibilities

Monitor and process compromised card alerts.
Review fraud reports and identify impacted accounts.
Initiate appropriate action for fraud incidents.
Organize and coordinate customer call efforts for compromised card events.
Maintain tracking and provide status summaries for active fraud incidents.
Escalate trends, unusual activity, or potential losses to leadership.
Serve as the first point of contact for customers reporting unauthorized debit card activity.
Investigate and process debit card disputes in accordance with Regulation E and card network rules.
Complete required documentation and maintain customer communication during investigations.
Resolve disputes accurately and within required timelines.
Provide clear, professional service to internal and external customers.
Support daily operations of debit, credit, gift, instant issue, and consumer credit card referral programs.
Manage inventory, ordering, branch support, card maintenance, system records, reports, and related activity logs for card programs.
Track and report card fraud losses and trends to leadership.
Assist with account balancing and reconciliation related to card programs.
Maintain accurate documentation for audits, compliance reviews, and internal controls.
Ensure all processes align with regulatory requirements (Regulation E, card network rules, internal policies).
Identify, document, and escalate potential fraud or operational risks.
Maintain strict confidentiality and follow dual control procedures.
Support audit requests and internal reviews.
Communicate effectively with Bookkeeping, Digital Banking, and branch staff.
Assist in improving processes, workflows, and customer experience.
Support new product implementations and system enhancements.
Contribute to a team-oriented environment.